Call reports 2022
HELM BANK USA — 2022
What HELM BANK USA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,181,139,000 | 1,178,553,000 | 1,106,869,000 | 1,090,690,000 |
| Total loans | 434,860,000 | 449,343,000 | 450,279,000 | 471,809,000 |
| Allowance for loan losses | 8,246,000 | 8,236,000 | 8,219,000 | 8,118,000 |
| Securities available for sale | 251,786,000 | 313,658,000 | 478,489,000 | 479,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,091,188,000 | 1,099,491,000 | 1,044,885,000 | 1,019,302,000 |
| Interest-bearing deposits | 434,308,000 | 454,433,000 | 452,470,000 | 436,800,000 |
| Noninterest-bearing deposits | 656,880,000 | 645,058,000 | 592,415,000 | 582,502,000 |
| Equity capital | 85,607,000 | 74,307,000 | 57,840,000 | 64,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,543,000 | 13,448,000 | 22,818,000 | 33,308,000 |
| Interest expense | 203,000 | 416,000 | 671,000 | 1,186,000 |
| Net interest income | 6,340,000 | 13,032,000 | 22,147,000 | 32,122,000 |
| Noninterest income | 1,698,000 | 3,383,000 | 5,198,000 | 6,958,000 |
| Noninterest expense | 6,211,000 | 13,046,000 | 20,013,000 | 27,495,000 |
| Provision for loan losses | -84,000 | -159,000 | -215,000 | -258,000 |
| Pretax income | 1,865,000 | 3,444,000 | 7,424,000 | 11,722,000 |
| Income tax | 411,000 | 736,000 | 1,564,000 | 2,436,000 |
| Net income | 1,454,000 | 2,708,000 | 5,860,000 | 9,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,975,000 | 102,230,000 | 105,381,000 | 108,807,000 |
| Total capital | 104,974,000 | 106,374,000 | 109,923,000 | 113,603,000 |
| Risk-weighted assets | 315,595,000 | 327,349,000 | 359,649,000 | 380,328,000 |